Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.22% | +0.17 | 1.05% |
| Return on Equity (%) | ▲ | 11.20% | +0.47 | 10.73% |
| Net Interest Margin (%) | ▲ | 3.52% | +0.48 | 3.05% |
| Efficiency Ratio (%) | ▲ | 60.94% | -4.62 | 65.56% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.11 | $1 |
| Cost of Funds (%) | ▲ | 1.77% | -0.17 | 1.93% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $434 | -1.90 | $436 |
| Gross Loans ($M) | ▲ | $335 | +19.33 | $315 |
| Loan Growth YoY (%) | ▲ | 89.93% | +6.33 | 83.61% |
| Total Deposits ($M) | ▼ | $368 | -5.01 | $373 |
| Shareholders Equity ($M) | ▲ | $49 | +3.53 | $45 |
| Tang. Book Value ($M) | ▲ | $36 | +3.63 | $32 |
| TBV excl. AOCI ($M)** | ▲ | $39 | +2.84 | $36 |
| Loan / Deposit Ratio (%) | ▲ | 89.93% | +6.33 | 83.61% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.50% | -0.16 | 0.67% |
| Allowance / Loans (%) | — | 1.11% | 0.01% | 1.11% |
| Net Charge-Off Ratio (%) | ▲ | 0.26% | -0.61 | 0.87% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.15% | +0.79 | 13.36% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅██ | Net Interest Margin (%) | 2.82% | 2.85% | 2.99% | 3.05% | 3.13% | 3.22% | 3.54% | 3.52% |
| ▁▁▄▅▅▇█▇ | Return on Assets (%) | 0.73% | 0.80% | 0.99% | 1.05% | 1.08% | 1.18% | 1.32% | 1.22% |
| █▇▅▅▄▂▁▂ | Efficiency Ratio (%) | 72.0% | 70.2% | 65.6% | 65.6% | 64.6% | 61.5% | 58.6% | 60.9% |
| ██▅▇▃▂▁▃ | Cost of Funds (%) | 1.98% | 1.95% | 1.85% | 1.93% | 1.79% | 1.74% | 1.68% | 1.77% |
| ▁▁██▄▄▄▆ | NPA / Assets (%) | 0.22% | 0.17% | 0.69% | 0.67% | 0.43% | 0.39% | 0.41% | 0.50% |
| ▂▁██▅▄▅▂ | Net Charge-Off Ratio (%) | 0.25% | 0.07% | 0.92% | 0.87% | 0.51% | 0.50% | 0.52% | 0.26% |
| ▃▁▃▅▆▆▇█ | Tang. Book Value ($M) | $30 | $27 | $30 | $32 | $33 | $33 | $34 | $36 |
| ▁▁▃▃▆▇██ | Gross Loans ($M) | $305 | $307 | $314 | $315 | $324 | $327 | $332 | $335 |
| ▁▅█▃▂▅▄▁ | Total Deposits ($M) | $366 | $379 | $390 | $373 | $369 | $378 | $376 | $368 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 10% |
| Agricultural | 17% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 8% |